In 2025, the Medicare Part A deductible is $1,676 per benefit period and the Part B annual deductible is $257. The Centers for Medicare & Medicaid Services (CMS) releases new premiums, deductibles and coinsurance amounts for Part A, Part B and the Medicare Part D income-related monthly adjustment amounts every fall.1
2025 Medicare Parts A and B deductibles
4-minute readPublished 03/28/2024Updated 04:01 PM EST, 01/08/2025
Table of contents
Key points¹
- A deductible is the amount you pay for certain medical expenses or prescription drugs before your insurance plan starts paying any of the costs.
- The 2025 Part A deductible is $1,676 for each inpatient hospital benefit period before Original Medicare starts to pay.
- The 2025 Part B annual deductible is $257 before Original Medicare starts to pay. You pay this deductible once each year.
Understanding out-of-pocket Medicare costs
There are 3 primary out-of-pocket costs you’ll want to consider as you begin
- Copays—A fixed amount ($20, for example) you pay for a covered healthcare service after you've paid your deductible
- Coinsurance—The percentage of costs of a covered healthcare service you pay (20%, for example) after you've paid your deductible
- Deductibles—The amount you pay for covered healthcare services before your insurance plan starts to pay.
Let’s take a look at deductibles. Medicare plans have deductibles just like individual or employer health insurance plans do. Both
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4-minute readPublished 03/28/2024Updated 04:01 PM EST, 01/08/2025
2025 Medicare Part A deductible
A benefit period begins the day you're admitted to a hospital or skilled nursing facility and ends when you haven't spent the night in one of them for 60 consecutive days. If you're admitted to a hospital or skilled nursing facility after one benefit period has ended, then a new one begins, and you’ll have to pay another deductible.
The 2025 Medicare Part A deductible for each benefit period is $1,676.1
2025 Medicare Part B deductible
The total 2025 Part B deductible is $257 for the year. No benefit periods apply to Part B coverage.1
How to potentially reduce your deductibles with a Medicare Supplement (Medigap) plan
You can buy private
However, if you’re enrolled in a Medicare Advantage Plan, you can only purchase a
Frequently asked questions
1. Is there a deductible for a Medicare Part C (Medicare Advantage) plan?
2. Is there a deductible for Medicare Part D prescription drug plans?
Deductibles can vary between
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4-minute readPublished 03/28/2024Updated 04:01 PM EST, 01/08/2025
Sources
- “
Costs ,” Medicare.gov, last accessed Sep. 3, 2024.